Shopping for car insurance online can be fast and easy, in addition you can save money. The most important part is to compare as many rate quotes as possible in order to have the lowest prices.

If shopping for car insurance online is new to you, you may be confused by the hoards of car insurance companies offering insurance. There are several ways to compare quotes and find the best price. The easiest way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 1997 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. Although newer models may have safety features included like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may lower rates.

Liability coverage - This coverage protects you from injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision - Collision coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. 1997 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.